Credit Building Credit Cards

 

Important Note

Most of the Credit Offers below don’t pull a hard inquiry. However, some do. Your score may temporarily drop once you are APPROVED due the inquiry. The effect is minimal. After that, your score will rise. Once you get your cards, use them responsibly, and make on-time payments. Make sure you keep utilization at 10% or less. This will be critical when you apply for larger credit cards later. Also, you must REMOVE any credit freezes, locks, or fraud alerts from your report in order for the Personal Credit lines to post.

The First Progress Platinum Elite MasterCard® Secured Credit Card

CREDIT NEEDED

Fair Credit / Bad Credit

  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
  • With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 – 10 days after the complete application is approved and the total refundable deposit received.  Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • APR for purchases = 19.99%
  • Annual Fee = $29
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OpenSky® Secured Visa ® Credit Card

CREDIT NEEDED

Bad Credit / No Credit

  • APR for Purchases: 17.39% (variable)
  • No credit check necessary to apply. OpenSky® believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky® reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • OpenSky® provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
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Surge Mastercard® Credit Card

CREDIT NEEDED

Bad Credit / No Credit

Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Fast and easy application process; results in seconds
  • See if you’re Pre-Qualified without impacting your credit score
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Mastercard Zero Liability Protection (subject to Mastercard Guidelines)
  • *See all terms in conditions on website.

Some Requirements (Not limited to)

  • You need to have an existing checking account
  • Minimum 540 Vantage Credit Score
  • note:  Having the above does not auto approve you.  The bank will still look at other factors when making a decision.
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Merrick Bank Secured Visa®

CREDIT NEEDED

Fair Credit / Bad Credit

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
  • Wisconsin Residents:  This offer is NOT valid for residents of Wisconsin
Sign Up Now!

First Progress Platinum Select MasterCard® Secured Credit Card

CREDIT NEEDED

Fair Credit /Bad Credit

  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
  • With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 – 10 days after the complete application is approved and the total refundable deposit received.  Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • APR for purchases = 13.99%
  • Annual Fee = $39
Sign Up Now!

First Progress Platinum Prestige MasterCard® Secured Credit Card

CREDIT NEEDED

Fair Credit / Bad Credit

  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No Credit Inquiry Required!
  • Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Build Credit Faster with 6 reporting cycles per month.  (You will be assigned the fastest of 6 reporting cycles a month)
  • With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 – 10 days after the complete application is approved and the total refundable deposit received.  Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
  • 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • APR for purchases: 9.99%
  • Annual Fee = $49
Sign Up Now!

First Access Card (Unsecured Card)

CREDIT NEEDED

Bad Credit

  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application; Checking account required
  • $300 Credit Line (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri, Member:  FDIC
  • This program is not currently available in New York or Wisconsin.
Sign Up Now!